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originally posted by: AugustusMasonicus
Incorrect, it has nothing to do with insurance:
A security guard is merely a private person even though he wears a uniform. The security guard may arrest a person when that person has committed a felony, but only if a felony has actually been committed. If the offense is not a felony it must be committed or at least attempted in the presence of the security guard before a citizen’s arrest can be made. Whereas, the requirement is not so demanding for a police officer who can arrest a person for a felony as long as the officer has probable cause to believe the person committed the felony, whether or not the felony occurred. Source